Home
For most of us our home is the most expensive purchase you will ever make. We'll help you understand your coverage options and help you estimate the replacement cost value of your home. Most importantly, if disaster should strike your home we'll be right there for you to help you through those hard times.
Types of coverage we offer:
- Home
- Condo
- Rental Dwellings
- Renters
- Flood : Note Flood Insurance is a seperate policy and is not covered under any homeowners policy in the U.S.
Some factors that determine your rate include:
- Age of Home
- Value of Home
- Location of Home
- Construction Type
- Deductible
- Loss History
- Recent Updates
Our companies offer you the following discounts:
- Auto & Home
- Deductible Credits
- Smoke Detectors
- Dead Bolts
- Loss Free
- Senior Citizens
- Protected Fire Class
- New Home Credits
- Recent Updates
- Premises Alarm
- Masonry Construction
What to do after a loss:
In the event of any homeowners claim you should contact your agent or your insurance company immediately after the situation is secured and everyone is safe. Don't go out and by new products to replace the old before you have reported the claim and don't throw out any damaged goods. You should try to organize them and make an inventory of your losses.
We recommend everyone should have some sort of inventory for there personal property. You can just imagine how difficult it would be to come up with a list of everything you lost after such an emotional loss. We recommend a fun an easy to use home inventory software from knowyourstuff.org You can always simply make a list in a notebook and save receipts and photos in a file. This software, however, should make this task fun and simple. More importantly, with the click of your mouse, you can update this list as you buy or eliminate personal possessions.
Having an up-to-date home inventory will help you:
